DEF'INTER
ActiveDEF'INTER has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30k and a net result of €6k. Equity is growing by ~13.8% per year across the filed fiscal years. Its solvency ranks better than 56% of 4575 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+29
Solvency70▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity tight (current ratio 1.38 against 1.44 in 2024; short-term debt: 55.3% and cash: 0.2% of total assets), and 55.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
44.7%
Return on assets
8.9%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
7 d early
2024
29 d late
2023
29 d early
2022
30 d late
2021
8 d late
2020
26 d late
2019
343 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€109k
EBIT margin
1.1%
Net result
€6k▲ 9,604%
2024 · €63
2018: €-6k
2019: €-891
2020: €3k
2021: €4k
2022: €4k
2023: €2k
2024: €63
2018 → 2025
Working capital
€14k▲ 26.5%
2024 · €11k
2018: €2k
2019: €-4k
2020: €-11k
2021: €-10k
2022: €3k
2023: €9k
2024: €11k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€22k▲ 19.9%€24k▲ 9.8%€24k▼ 0.6%€30k▲ 24.9%
Operating result€-3k-€6k€4k▼ 29.3%€2k▼ 53.9%€8k▲ 290%
Net result€4k-€4k▼ 2.9%€2k▼ 41.2%€63▼ 97.1%€6k▲ 9,604%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 290% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €68k
Fixed assets
€16k▲ 23.6%
Current assets
€52k▲ 41.1%
Equity and liabilities €68k
Equity
€30k▲ 24.9%
Debt
€38k▲ 47.5%
The debt ratio rises from 51.2% to 55.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€11k▲
2024 · €7k
Cash flow
€9k▲
2024 · €5k
Solvency
44.7%▼
2024 · 48.8%
Current ratio
1.38▼
2024 · 1.44
Quick ratio
0.75▼
2024 · 0.85
Debt / equity
1.24▲
2024 · 1.05
ROE
20.0%▲
2024 · 0.3%
ROA
8.9%▲
2024 · 0.1%
Interest coverage
19.11▲
2024 · 3.82
Debt
€38k▲
2024 · €26k
Debt ≤ 1 year
€38k▲
2024 · €26k
Income taxes
€2k▲
2024 · €139
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€50k€68k▲
Fixed assets21/28€13k€16k▲
Tangible fixed assets22/27€4k€7k▲
Plant, machinery and equipment23€24€2k▲
Furniture and vehicles24€4k€5k▲
Financial fixed assets28€9k€9k=
Current assets29/58€37k€52k▲
Stocks and contracts in progress3€15k€23k▲
Stocks30/36€15k€23k▲
Amounts receivable within one year40/41€22k€28k▲
Trade receivables40€22k€28k▲
Cash at bank and in hand54/58€0€152▲
Equity and liabilities
Total equity and liabilities10/49€50k€68k▲
Equity10/15€24k€30k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€6k€12k▲
Amounts payable17/49€26k€38k▲
Amounts payable within one year42/48€26k€38k▲
Trade debts44€13k€15k▲
Suppliers440/4€13k€15k▲
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Other amounts payable47/48€11k€19k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€3k▼
Other operating charges640/8€148€353▲
Gross operating margin9900€7k€12k▲
Operating profit (loss)9901€2k€8k▲
Financial income75/76B-€367
Recurring financial income75-€367
Financial charges65/66B€2k€596▼
Recurring financial charges65€2k€596▼
Profit (loss) for the period before taxes9903€202€8k▲
Income taxes67/77€139€2k▲
Profit (loss) for the period9904€63€6k▲
Profit (loss) for the period to be appropriated9905€63€6k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€12k▲
Profit (loss) brought forward from the previous period14P€6k€6k▲
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €6k ▲9604%
Operating result €8k, net result €6k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
08-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 8 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 343 days late
2020
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Etalle · 1 establishment unit since 2018
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Zoning du Magenot, Ste-Marie 36740 EtalleGround area
3,563 m²
Building footprint
352 m²
Volume, LiDAR
2,185 m³
2 parcels, Wallonia · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Grand-Rue,Tintigny 30, 6730 Tintigny
since 20182.274.605.854
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 85033A1506/00H000 | Wallonia | 3,056 m² | 1 · 250 m² | 5.8 m · 2 fl. |
| 85039B0006/00L000 | Wallonia | 507 m² | 1 · 101 m² | 11.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 12,606 companies in sector 49410 we hold annual accounts for 8,199. 5,516 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-2018
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
52100Warehousing and storage
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.